Bank of America Customized Cash Rewards Credit Card Review 2026: People who can steer spending into one chosen category and stay under the quarterly cap
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Our verdict
The Customized Cash Rewards card suits people who will manage a category choice. Bank of America's card page lists 6% cash back in the category of your choice for the first year and 3% after, automatic 2% at grocery stores and wholesale clubs, and unlimited 1% on other purchases (as of 2026-10-02). The catch is a cap: the 6% (or 3%) and 2% rates apply to the first $2,500 in combined purchases each quarter, then you earn 1%. The intro offer is 0% APR for the first 15 billing cycles on purchases and on balance transfers made within 60 days, after which a variable APR of 17.49% to 27.49% applies. Balance transfers cost 3% in the first 60 days and 5% after. The card page offers a $200 online bonus after $1,000 in purchases in the first 90 days. We could not confirm the foreign transaction or cash advance fees, because the page did not list them and the linked terms URL returned an error. Rates change, so check the official page before applying.
Score breakdown
- Fees (25%)8.0/10
- Value & Returns (25%)7.0/10
- Transparency (20%)8.0/10
- Security & Trust (15%)8.0/10
- Support (15%)7.0/10
Scored per our review methodology.
Who it's for
Best for: People who can steer spending into one chosen category and stay under the quarterly cap.
Pricing
$0 annual fee; 3% in a category you choose (6% in year one), 2% at grocery stores and wholesale clubs, 1% elsewhere; variable APR 17.49% to 27.49% after the intro period (as of 2026-10-02)
| Plan | Price | Notes |
|---|---|---|
| Annual fee | $0 | Per Bank of America's card page (as of 2026-10-02). |
| Purchase APR | 17.49% to 27.49% variable | After 0% intro APR for 15 billing cycles (as of 2026-10-02). Rates change; see the official page. |
| Rewards | 3% choice category (6% year one), 2% grocery and wholesale, 1% other | Bonus rates on the first $2,500 in combined purchases each quarter (as of 2026-10-02). |
| Balance transfer fee | 3% for 60 days, then 5% | Per Bank of America's card page (as of 2026-10-02). |
What the evidence says
- $0 annual fee; 0% intro APR for 15 billing cycles; variable APR 17.49% to 27.49%; 3% intro balance transfer fee for 60 days then 5%; 6% choice category first year then 3%, 2% grocery and wholesale clubs, 1% other; $2,500 combined quarterly cap; $200 bonus after $1,000 in 90 days (as of 2026-10-02). (Bank of America: Customized Cash Rewards card page (official))
Pros & cons
Pros
- No annual fee, per Bank of America's card page (as of 2026-10-02)
- You pick the 3% category, and new cardholders get 6% in that category for the first year (as of 2026-10-02)
- Automatic 2% at grocery stores and wholesale clubs, 1% on everything else (as of 2026-10-02)
- 0% intro APR for the first 15 billing cycles on purchases and on balance transfers made in the first 60 days (as of 2026-10-02)
- Lowest variable APR floor of the cards in this group at 17.49% (as of 2026-10-02)
Cons & red flags
- The 6%/3% and 2% rates apply only to the first $2,500 in combined purchases each quarter, then drop to 1% (as of 2026-10-02)
- The 6% rate lasts only for the first year, then falls to 3% (as of 2026-10-02)
- Balance transfer fee is 3% for the first 60 days, then 5% (as of 2026-10-02)
- The card page did not show the foreign transaction or cash advance fees, and the linked terms URL returned an error when we checked, so those figures are not confirmed here
How it compares
Bank of America Customized Cash Rewards Credit Card scores 7.6/10 in our credit cards evaluation. See where it lands in the full ranking: Best No-Annual-Fee Cash Back Credit Cards of 2026.
- Wells Fargo Active Cash Card review — 8.3/10, people who want one flat cash back rate on everything without tracking categories, and who mostly spend in the us
- Chase Freedom Unlimited review — 7.9/10, people who spend a lot on dining and drugstores and want a no annual fee card with a long 0% intro period
Frequently asked questions
Is there a cap on the bonus cash back?
Yes. The 6% or 3% choice category and 2% grocery and wholesale club rates apply to the first $2,500 in combined purchases each quarter, then 1% (as of 2026-10-02).
How long does the 6% rate last?
For the first year, after which the choice category earns 3% (as of 2026-10-02).
Does it charge a foreign transaction fee?
We could not confirm this. The card page did not list it and the linked terms page returned an error when we checked, so look at the full terms Bank of America shows before you apply.
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